Abstract: An apparatus for issuing a transaction card comprises a value receiving mechanism in the form of a card reader or a bank note acceptor or both. The apparatus includes a memory for storing the exchange rate for a plurality of currencies as compared to a local visitor's voucher which can be issued by the apparatus. A mechanism is also provided for storing a maximum transaction limit corresponding to a selected number of visitor's vouchers, which in turn corresponds to value of currency received. The transaction card is advantageously a smart card or chip card, which carries a program mechanism and central processing unit for manipulating the values which can be stored in the card.
Abstract: A card combination which is issued to a single cardholder can be reprogrammed by the cardholder for use by a sub-user to a desired extent with regard to value and time. The cardholder uses a master enabling code to access the programming mechanism. He/she assigns a sub-PIN for use by the sub-user and opens a subordinate account for the allowed credit value within card's total credit value. This subordinate account can be accessed using the sub-PIN. A limited term can be selected during which any transaction using the sub-PIN and using the subordinate account can be conducted. After the expiration of that term the sub-PIN is automatically erased and any balance in the suborinate account is re-credited to the main credit account of the card. Such a multi-user card can also be used in conjunction with a program for varying the value of units stored in the credit account.
Abstract: The incentive and feedback apparatus includes a plurality of business stations, each having an incentive module and a transaction mechanism for conducting different types of transactions involving different types of products. The incentive module stores a plurality of indices that encode a business type, a product type and a transaction type. An incentive coefficient is identified with each index. Incentive coefficients of greater than 1 (positive) indicate a combination of business, plus product, plus transaction type, which is favored by the economy, while a coefficient of less than 1 (negative) indicates a combination which is considered less favorable. A coefficient of 1 indicates a neutral combination which has been judged neither favorable nor unfavorable. Each transaction is conducted at its market price. For example, a product sold at its correct amount is transferred at this price.